Two Factor Authentication systems have come under fire recently from hackers and researchers for a number of drawbacks and vulnerabilities:Man-in-the-middle attacks are being successfully used against Banks using 2FAReports of more than 20% of Hardware tags are lost or brokenExpensive - and cumbersome for consumersPIN

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Mobile ticketing, m-commerce, secure messaging, corporate applications, government communications, e-money, the list goes on of things that would be great to do on mobile - as long as they really were secure.So, security on our phones, and we'd like to use publicly endorsed standards -

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